Jamey Brown, CFP®
Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(270) 908-3488(270) 908-3488
The Brown Wealth Management Group at Morgan Stanley
Direct:
(270) 936-6948(270) 936-6948
Our Mission Statement
Put the experience of a “Best-in-State” Wealth Management Team to work for you, your business and most importantly—your family.
Our Story and Services
The Brown Wealth Management Group is a highly-experienced team that can help you build wealth, preserve assets, grow a business and help manage taxes. Our primary focus is working with successful families and businesses to define their goals and then create a financial plan and a clear process that can help take them where they want to go.
Family is core to our business. In fact, we were started by a father and a son back in 2001. When you turn to us, we look out for your entire family. Our goal is to enable you to live better today and build a legacy that can span generations. We also provide Next Gen education, so that your loved ones can be better-prepared for their futures, too.
While we’re proud of being named a 2024 Forbes “Best-in-State” Wealth Management Teams, the way we measure success is by how well our clients are doing. And we must be doing something right, because they have recommended us to their friends. That’s one of the reasons why we choose to work with only a select few clients at a time. That way we’re able to do more for each of them.
We invite you to meet with us so we can show you how we can help you get on the path to success.
2024 - Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period 3/31/22-3/31/23.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Family is core to our business. In fact, we were started by a father and a son back in 2001. When you turn to us, we look out for your entire family. Our goal is to enable you to live better today and build a legacy that can span generations. We also provide Next Gen education, so that your loved ones can be better-prepared for their futures, too.
While we’re proud of being named a 2024 Forbes “Best-in-State” Wealth Management Teams, the way we measure success is by how well our clients are doing. And we must be doing something right, because they have recommended us to their friends. That’s one of the reasons why we choose to work with only a select few clients at a time. That way we’re able to do more for each of them.
We invite you to meet with us so we can show you how we can help you get on the path to success.
2024 - Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period 3/31/22-3/31/23.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Services Include
- Financial PlanningFootnote1
- Wealth ManagementFootnote2
- Business Succession PlanningFootnote3
- Retirement PlanningFootnote4
- Planning for Education FundingFootnote5
- Trust ServicesFootnote6
- Estate Planning StrategiesFootnote7
- Cash Management and Lending ProductsFootnote8
- Life InsuranceFootnote9
- Philanthropic ManagementFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
It’s not just a financial plan. It’s a roadmap that can take you to new and exciting places.
Everything we do starts with a financial plan that's tailor-made specifically for you. We spend the time to get to know your needs for today, plus the long-term goals you've set for you and your family. By understanding your goals first, we can then back into an investment strategy designed that's unique to you.
Brown Wealth Management provides you with holistic wealth management that encompasses your assets and liabilities working towards maximum efficiency. By making your money work harder, you'll be better positioned to achieve more throughout your lifetime.
When you work with us, you'll have the global strength of Morgan Stanley working for you as well. Our firm is one of the industry leaders in Cybersecurity and AI, including Unified Managed Accounts. While many of our competitors are still developing these types of platforms—you'll be able to harness these breakthrough innovations with us today.
- Customized investment planning
- Risk assessment
- Tax-efficient asset allocation
- Tax Management Strategies
- Cash Management and Lending
- Health and Life Insurance Solutions
- Income planning and distribution
- Social Security Analysis
- High-touch Communication Process
- Clear Financial Goals
- Major Investments in Cybersecurity
- Risk Assessment Tools
- Unified Managed Accounts
- Robust AI Platforms
Manage Your Wealth
Manage Your Risk
Morgan Stanley Smith Barney LLC ("Morgan Stanley"), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Since life insurance is medically underwritten, you should not cancel your current policy until your new policy is in force. A change to your current policy may incur charges, fees and costs. A new policy will require a medical exam. Surrender charges may be imposed and the period of time for which the surrender charges apply may increase with a new policy. You should consult with your own tax advisors regarding your potential tax liability on surrenders.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Shape Your Retirement
Earn Your Confidence
Help Protect Your Assets
Envision Your Future
A plan that provides your loved ones with more opportunities.
Our clients are hard-working individuals who are driven by providing a better future for their families. We know that every family is different and has a unique dynamic. That's why we listen very carefully to your concerns and desires before we cater our financial advice to your specific needs.
Trust & Estate Planning Strategies
We work collaboratively with your attorney to create the plan that fits your family. And for clients with highly complex estates, we can provide access to our Family Office Resources team.
Next Gen Education
We provide your adult children and grandchildren with valuable lessons about money management, investing, entrepreneurship, estate planning and what it means to be the beneficiary of a trust.
College Planning
We can create a tax-efficient strategy that can enable you to proactively save for your children's or grandchildren's education.
Divorce Planning
One of life's biggest challenges is going through a divorce and coming out financially secure. We have the experience to help you get through this difficult time.
Charitable Giving
As part of your legacy, we know how to help you maximize the impact you'll have on the causes and institutions you care about the most.
Lifestyle Advisory Group
Planning for the future is important—and so is living for today. Select clients will get to experience an elite range of concierge services, including:
• Buying, leasing, or sharing a jet
• College and admissions counseling
• Eldercare services
• Experiences, Travel and Luxury Vacations
• Tickets to Theater, Concerts and Sporting Events
We’re there for the Entire Lifecycle of Your Business
Small business is what keeps the American economy growing strong. We're highly-experienced in every stage of a successful business — from infancy to monetization.
We understand the challenges your business may face with everything from cash flow to hiring the best talent. And we recognize that a thoughtful tax mitigation strategy can make all the difference in the world to the success of your business. From growth to succession or liquidation, we're here for you every step of the way.
Are you a business owner or professional looking for overall financial advice and guidance? We can help.
Starting Your business
Turning a vision into a successful business takes planning, funding , and strategy. Explore resource below for insights on how to navigate the early stages of launching and building your business. Access the slides below for insights on what it means to be an entrepreneur.
Funding Your Business
Securing the right funding is a critical step in bringing your business to life. Whether your business is brand new or has been established for decades, you may be at a point where you need financing in order to grow or maintain operations. Whatever your business goals might be, it could be within your grasp—if you can get the right financing.
Exiting Your Business
As a business owner, you've devoted your career to building your company. Now is the time to plan for what comes next: spending more time with your family and pursuing new challenges. It is a transition that is among the most complex in the business world... and life.
Financial Planning for Life After Selling a Business
For many founders, life after the sale of a business includes enjoying the wealth you've earned.
As you enjoy the rewards of your hard work, consider tailoring your insurance coverage to include new assets, like a vacation home or car. Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.
Location
5158 Village Square Drive
Paducah, KY 42001
US
Direct:
(270) 936-6948(270) 936-6948
Meet The Brown Wealth Management Group
Daniel Brown, CFP®
Senior Vice President, Financial Advisor
Phone:
(270) 908-3489(270) 908-3489
Lydia May, CFP®
First Vice President, Financial Advisor
Phone:
(270) 908-3490(270) 908-3490
Jason Straub, CFP®
Financial Advisor
Phone:
(270) 908-3491(270) 908-3491
Kristy Taliaferro
Chief of Staff
Phone:
(270) 936-6944(270) 936-6944
Adrienne Yeager
Wealth Management Associate
Phone:
(270) 936-6947(270) 936-6947
Margaret Morris
Client Service Associate
Phone:
(270) 936-6948(270) 936-6948
Debbie Sommer
Client Service Associate
Phone:
(270) 936-6945(270) 936-6945
Melissa Breeden
Registered Client Service Associate
Phone:
(270) 936-6946(270) 936-6946
About Me
Jamey Brown is a founding member and managing partner of the team. He thrives off of working with families and business owners, while focusing on their financial planning goals. Jamey started his career at UBS and after building a successful practice there, he moved to Morgan Stanley in 2024. He is a Certified Financial Planner® and has been recognized as a Forbes Best in State Advisor from 2019 to present. He is a graduate of the University of Kentucky. Jamey volunteers with the Community Foundation of Western Kentucky and the United Way. Outside of the office he loves spending time with his wife, Jordan, and his daughter Milly. Jamey also enjoys golfing, playing tennis, and boating at the lake.
2019-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2019-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: KS, AZ, RI, MD, CO, SC, MS, MO, AL, VA, TX, TN, OR, NY, FL, NC, MA, IL, DC, WV, VI, NV, ID, DE, ND, VT, NJ, AK, MT, NH, ME, SD, PR, NM, NE, MI, WY, KY, HI, GA, PA, IN, IA, AR, OK, MN, LA, WI, UT, WA, OH, CT, CA; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 2647871
NMLS#: 2647871
About Me
Daniel manages client relationships for the team. He works directly with clients on their financial needs and manages their extensive list of retirement plans. Before joining the team in 2007, Daniel was a CPA® at Williams Williams & Lentz. He holds his CERTIFIED FINANCIAL PLANNER ™ designation and has been recognized as a Forbes Best in State Advisor. He is a graduate of the University of Kentucky and in his free time he enjoys spending time with family. He and his wife, Mykala, along with their two sons, Owen and Spencer, facilitate their church youth basketball program.
2019 – 2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2019, 2020, 2021, 2022, 2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2019 – 2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2019, 2020, 2021, 2022, 2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: NC, MA, GA, CA, AZ, WI, PA, KY, IA, CO, WA, UT, TX, RI, MS, MD, HI, VA, OK, OH, NY, TN, KS, IN, AR, SC, MO, MN, CT, OR, LA, FL, DC, IL, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 2647872
NMLS#: 2647872
About Me
Lydia May plays an active role in developing tailor-made financial plans for clients. She believes in the power of educating them and their families about their investment decisions, so they gain greater comfort and confidence. Lydia has been in the industry for more than 35 years and was a pioneer in bringing the bank brokerage industry to the state of Kentucky. She holds her Certified Financial Planner® designation. Lydia is a graduate of Murray State University, where she also earned her MBA. She enjoys visiting her daughters in St. Louis, playing tennis and traveling the world.
Securities Agent: CO, RI, AZ, WA, TN, OK, KS, VA, SC, PA, FL, MS, MD, MO, MN, LA, IN, UT, TX, MA, WI, OR, OH, NC, DC, CT, CA, AR, IL, HI, GA, AL, NY, KY, IA; General Securities Principal; General Securities Representative; Investment Advisor Representative
NMLS#: 2647874
NMLS#: 2647874
About Me
Jason Straub takes a comprehensive approach with clients by building financial plans, progressing through investment decisions, and adjusting as client’s goals evolve and change. He began his career in the industry in 2021 at UBS. Jason holds his Certified Financial Planner® designation and is a graduate of the University of Kentucky. In his free time, he enjoys spending time with his wife, Emma, playing golf and supporting all University of Kentucky athletics.
Securities Agent: VA, MI, IN, AZ, OK, AR, TX, IL, CA, AL, RI, NC, MO, OR, OH, MN, KY, GA, DC, TN, SC, MD, IA, CO, PA, LA, KS, NY, MS, HI, WA, UT, MA, FL, CT, WI; General Securities Representative; Investment Advisor Representative
NMLS#: 2647875
NMLS#: 2647875
About Kristy Taliaferro
Kristy oversees all tasks that encompass client engagement. These daily tasks translate to efficiency and effectiveness throughout the entire practice. Kristy finds that driving an exceptional client experience is one of the most rewarding parts of her job. She enjoys engaging with clients and genuinely gaining their confidence. After 26 years in the industry, Kristy has a comprehensive understanding of the needs of successful families and business owners. She is a graduate of Murray State University and enjoys spending time with her husband, Greg, her 3 children, and her lab.
About Adrienne Yeager
Adrienne is dedicated to building relationships with clients and helping with their banking needs. She prides herself in always putting the client first and ensuring they have a superb experience. Before joining UBS in 2016, she was a Branch Manager for US Bank. Adrienne is a graduate of the University of Kentucky and enjoys spending time with her husband, Mark, and their two sons, Benjamin and Samuel.
About Margaret Morris
Margaret joins the team after years in the banking industry. She previously worked at Paducah Bank & Trust and most recently, Capstar. She’s passionate about providing an exceptional service to clients and collaborating with team members to help address their needs. Margaret received her undergrad from the University of Mississippi and received her MBA from Murray State University. She enjoys spending time with her husband Zach, volunteering at the animal shelter, being outdoors and playing pickleball. She has two dogs named Pumba and Simba.
About Debbie Sommer
Debbie builds a strong foundation with clients by understanding what is important to them. She takes pride in serving clients and demonstrating how much the team values them. She has been in the industry for over 40 years. Debbie is a graduate of Paducah Community College and enjoys spending time with her family, going hiking, and is very involved in her church.
About Melissa Breeden
Melissa enjoys making a personalized plan when servicing each client and taking care of their specific needs. She has been in the industry for almost 40 years and prides herself on building a strong relationship with their clients. Melissa is a graduate of the University of Illinois at Champaign Urbana. In her free time, she enjoys spending time with her family and working with the United Way of Western Kentucky.
Contact Jamey Brown
Contact Daniel Brown
Contact Lydia May
Contact Jason Straub
Wealth Management
Global Investment Office
Portfolio Insights
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
Small Business Retirement Plans
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Ready to start a conversation? Contact The Brown Wealth Management Group today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
